323 20th St S, La Crosse, WI 54601 Property Records

La Crosse County property record for 323 20th St S, La Crosse, WI 54601

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,739 sqft · built 1893
Lot Size	0.326 acres (14,244 sqft)
Owner	Individual Name on Record
Last Sale	$425,000 (Apr 2020)
Tax Bill	$8,775 (2025)
Deeds & Mortgages	May 2022 Mortgage Mar 2022 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`017-030244-060`

Property Details

APN / Parcel Number

Primary APN	`017-030244-060`
Alternative APNs	`17 30244 60` `33472`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	3 Stories
Building Area	2,739 sqft Living Area
Basement Area	1,150 sqft
Game Room	Game Room
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 1893
Effective Year Built	Effective 1977
Exterior Material	Aluminum/Vinyl
Lot Area	14,244 sqft (0.326 acres)
Lot Dimensions	144 ft deep x 99 ft wide
Garage Type	Detached
Garage Area	500 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Account Number	33472
Old Parcel Number	17 30244 60
Street Address	323 20TH ST S
City	LA CROSSE
State	WI
Zip	54601-5065
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PRT SW-NW FKA SMITH & BACHELDERS ADD (NOW VACATED) LOTS 57 & 58 BLOCK 4 LOT SZ: 99 X 144 4/7
Legal Range	07
Legal Township	15
Legal Section	04
Legal Quarter	SW
Quarter-Quarter Section	NW
Legal Subdivision	SMITH & BATCHELDER'S ADDITION
Legal Block	4
Legal Lot Number	57-58 58
Jurisdiction	LA CROSSE WI
Township / Civil Division	LA CROSSE
Census Block Group	4
Census Block	4005
Census Tract	700

Owner

Source: La Crosse County records, as of February 16, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	323 20TH ST S, LA CROSSE, WI 54601-5065
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 6, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage US BANK NA
Mar 21, 2022	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
May 16, 2018	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC
Mar 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage ALTRA FCU
Apr 14, 2020	Warranty Deed, Transfer · VA Mortgage STEARNS LENDING INC
Jun 13, 2017	Deed, Transfer · ARM ALTRA FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 14, 2020 · Amount on Record
Deed Sale	Apr 14, 2020 · Amount on Record
Prior Sale	Apr 14, 2020 · Amount on Record
Deed Document Number	0001743804
Last Transfer Date	May 6, 2022
Transfer Doc	0001793259
Record Updated	Jun 8, 2026

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LA CROSSE WI
Recording Date	May 6, 2022
Property Address	323 20TH ST S, LA CROSSE, WI 54601-5065
Document Number	0001793259
Instrument Date	Apr 29, 2022
Instrument	1793259
Transaction Type	Transfer
Record Updated	Jun 1, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	323 20TH ST S, LA CROSSE, WI 54601-5065

Mortgage

Document Number	0001793260
Date	May 6, 2022
Instrument	1793260

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 1, 2037

Interest

Rate Type	Fixed Rate

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LA CROSSE WI
Property Address	323 20TH ST S, LA CROSSE, WI 54601-5065
Transaction Type	Mortgage
Record Updated	Apr 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001790861
Date	Mar 21, 2022
Instrument	1790861

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LA CROSSE WI
Property Address	323 20TH ST S, LA CROSSE, WI 54601-5065
Transaction Type	Mortgage
Record Updated	Dec 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001710218
Date	May 16, 2018
Instrument	1710218

Lender

Name	QUICKEN LOANS INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2048

Interest

Rate Type	Fixed Rate

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LA CROSSE WI
Property Address	323 20TH ST S, LA CROSSE, WI 54601-5065
Transaction Type	Mortgage
Record Updated	Dec 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001742507
Date	Mar 18, 2020
Instrument	1742507

Lender

Name	ALTRA FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 17, 2050

Interest

Rate Type	Fixed Rate

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LA CROSSE WI
Recording Date	Apr 14, 2020
Property Address	323 20TH ST S, LA CROSSE, WI 54601-5065
Document Number	0001743804
Instrument Date	Apr 10, 2020
Instrument	1743804
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	NEW CUSTOM TITLE, NEW CASTLE TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,275.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001743805
Date	Apr 14, 2020
Instrument	1743805

Lender

Name	STEARNS LENDING INC

Agreement

Type	VA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

June 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	LA CROSSE WI
Recording Date	Jun 13, 2017
Property Address	323 20TH ST S, LA CROSSE, WI 54601-5065
Document Number	0001694860
Instrument Date	Jun 5, 2017
Instrument	1694860
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	NEW CASTEL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$990.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001694862
Date	Jun 13, 2017
Instrument	1694862

Lender

Name	ALTRA FCU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2047

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2024
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	6.25%
Index	1-Year CMT

Tax Assessment & Valuation

Source: La Crosse County assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	Wisconsin
County	La Crosse County
Municipality	La Crosse City
Unified School District	La Crosse School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,775.00 (-1.66%) Homeowner's exemption	$493,600 (+14.21%) Land $79,600 Building $414,000	$514,500 (+19.04%)
2023	$8,923.00 Homeowner's exemption	$432,200 Land $77,000 Building $355,200	$432,200 Land $77,000 Building $355,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective February 3, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 57% of Wisconsin
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	LA CROSSE WATERWORKS serves 53,000 people · EPA ID WI6320309
Water Source	Groundwater
Last State Inspection	Nov 2023
Lead	1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 800 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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